Disclaimer and Privacy Policy

Important Information

By accessing and using this website (the "Website") and any web page hereof, you agree to be bound by the terms and conditions below. Reference to these general terms of use should be made each time you access and use the Website.

This Website, its services and contents are provided for your use by Positive Vibes. (hereinafter referred to as "Positive Vibes ") Positive Vibes offer a full range of financial services to retail, corporate and institutional customers. Group / associate / affiliate companies can otherwise be identified by their authorised use of Positive Vibes brand name along with their own name in their documentation and literature, which includes this website under the name of www.investaffairs.com

Use of Information and Materials

The contents of this website are provided to you for general information only and should not be used as a recommendation or basis for making any specific investment, business or commercial decision. These pages should not be construed as a recommendation, an offer or solicitation for the subscription, purchase or sale of the securities, and specifically funds or any investment products, mentioned herein, or, in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdiction. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss arising whether directly or indirectly as a result of you acting based on this information...

Investments are subject to market risks including the possible loss of the principal amount invested. The value of the securities/commodities/currencies or any other financial instrument may fall as well as rise. If the investment is denominated in a foreign currency, factors including but not limited to changes in exchange rates may have an adverse effect on the value, price or income of an investment. Past performance figures as well as any projection or forecast used in these web pages, are not necessarily indicative of future or likely performance of any investment products.

The information contained in these pages is not intended to provide professional advice and should not be relied upon in that regard. It also does not have any regard to your specific investment objective, financial situation and any of your particular needs. You may wish to obtain advice from a qualified financial adviser, pursuant to a separate engagement, before making a commitment to purchase any of the investment products mentioned herein. In the event that you choose not to obtain advice from a qualified financial adviser, you should assess and consider whether the investment product is suitable for you before proceeding to invest and we do not offer any advice in this regard unless mandated to do so by way of a separate engagement. You are advised to read the Applicable Conditions governing each account and the relevant Risk Disclosure Document, if any, carefully before investing in any of the products. The contents of this website, including these terms and conditions, are subject to change and may be modified, deleted or replaced from time to time and at any time at the sole and absolute discretion of Positive Vibes.

Timeliness, accuracy and completeness of information

In particular, we assume no responsibility for or make any representations, endorsements, or warranties whatsoever in relation to the timeliness, accuracy and completeness of any services, content, information and/or data contained in the Website, whether provided by us, any content providers or third parties.


Positive Vibes and / or its member/ group / associate / affiliate companies reserve all copyright and intellectual property rights to the services, content, information and data on the Website. The contents in the Website are protected by copyright and no part or parts hereof may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, published, displayed, broadcasted, hyperlinked, used for creating derivative works or used in any other way for commercial or public purposes without the prior written consent of Positive Vibes and/or its member/ group/associate/affiliate companies.

No Warranties

While every care has been taken in preparing the contents contained in the Website, such contents are provided to you "as is" and "as available" without warranty of any kind either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from computer virus is given in conjunction with such contents. Member/group/associate/affiliate companies of Positive Vibes consulting and Advisory, their partners, directors, officers, associates, agents and affiliates make no representations, endorsements or warranties of any kind about the services, content, information and/or data contained in the Website.

Exclusion of Liability and Indemnity

In no event shall Positive Vibes and/or its member/group/associate/affiliate companies be liable to you for any loss, damage, costs, charges and/or expenses of whatsoever nature and howsoever arising including legal fees on a full indemnity basis, cost of funding and loss or cost incurred by you as a result of or in connection with:

any access, use or the inability to access or use this website, use of or reliance on the contents of this website;
any transaction performed on any web page in the Website;
any loss or abuse or unauthorized disclosure of information, including customer information;
any system, server or connection failure, error, omission, interruption, interception, delay in operation or transmission, or computer virus;
any use of or access to any websites linked to the Website;
any service, product, information, data, software or other materials obtained from this Website or from any other websites linked to this Website;
breach or violation of any third party rights, including but not limited to the violation of any proprietary or intellectual property rights or the enforcement of any of these general terms of use.

Governing Law

These general terms of use shall be governed by and construed in accordance with the laws of India and all parties hereby agree to submit to the exclusive jurisdiction of the courts of Kolkata (Calcutta).

Products and services referred to in this website are offered only in jurisdictions where and when they may be lawfully offered by Positive Vibes and/or its member group/associate/affiliate companies. The contents in the Website are not intended for use by persons located in or resident in jurisdictions that restrict the distribution of such materials by us. Persons accessing these pages are required to inform themselves about and observe any relevant restrictions.

Privacy and Security

Your privacy is important to us. We are committed to maintain the confidentiality of the personal information that you give us through our websites or our online services. To preserve the confidentiality of all information you provide to us, we maintain the following privacy principles:

We will only collect personal information that we believe to be relevant and required to assist us in providing better customer service and delivery of services and products that are of interest to you.
To serve you well, we may from time to time work with external organizations, including the member/ group/associate/affiliate companies of Positive Vibes, to offer other products and services to you. These companies will be required to conform to our privacy policy standards.
We may be required from time to time to disclose your personal information to governmental or judicial bodies or agencies or our regulators, but we will only do so under proper authority.
Like most websites, we may use cookies to "remember" information about your preferences. You can set up your web browser to accept or reject cookies.
We may amend this Policy from time to time and will place any such amendments on this Website. This Policy is not intended to, nor does it; create any contractual rights between Positive Vibes and you.


Email messages sent to Positive Vibes or any of its member/ group/associate/affiliate companies over the Internet cannot be guaranteed to be completely secure. Positive Vibes will not be responsible for any damages incurred by users if they send a message to Positive Vibes or any of its member/ group/associate/affiliate companies, or if Positive Vibes or any of its member companies sends a message to them at their request, over the Internet. Positive Vibes or any of its member companies are not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of this Website.

Transmission over the Internet

Due to the nature of the Internet, transactions may be subject to interruption, interception, transmission blackout, delayed transmission and incorrect data transmission. Regardless of any security measures taken by us, Positive Vibes and/or its member/group/associate/affiliate companies shall assume no responsibility whatsoever for any loss or expense resulting from such delays, interruptions and/or interceptions.

Data Security

Security is our priority. Positive Vibes Consulting & Advisory and/or its member/group/associate/affiliate companies will strive at all times to ensure that your personal data will be protected against unauthorized or accidental access, processing or erasure. We maintain this commitment to data security by implementing appropriate physical, electronic and managerial measures to safeguard and secure your personal data.

Only your valid User ID and Password, which identify you uniquely, will allow you to log in to our secure website(s). This ensures that messages from authorized users only are admitted into our secure site(s) www.investaffairs.com
Security Assurance

You are responsible to ensure that your User ID and/or Password are not compromised by knowingly or accidentally share, provide or facilitate unauthorized use of it. Failure to do so exposes you to the risks of fraud and loss. Positive Vibes and/or its member companies will not be responsible for losses suffered by customers as a result of:

input errors or misuse of its internet services;
negligent handling or sharing of Password;
leaving a computer unattended during an online session;
failure to immediately report known accidents of unauthorized account access.
Positive Vibes will never ask you for your Password, in order to ensure that you are the only person who knows this information.

You should safeguard your unique User ID and Password by keeping it secret and confidential. Do not share your User ID and Password with anyone or write them down, as you are responsible for all transactions undertaken with your User ID and Password.
Ensure that no one can see your Password when you log in to our system.
When choosing your unique User ID and Password for the first time, do not create it using easily identifiable information such as your birthday, telephone number or a recognizable part of your name.
Change your Password regularly. Do not recycle your recently used Password.
The same Password should not be used for different websites, applications or services particularly when you relate to different entities.
Do not select the option on your browser for storing or retaining User ID and Password.
If you think your User ID and/or password has been disclosed to a third party, is lost or stolen and unauthorized transactions may have been conducted, you are responsible to inform us immediately.
It is advisable to take the necessary precautions to protect your personal computer against viruses and other malicious programs. Besides damaging and/or destroying data, viruses and malicious programs can capture your Password keystrokes and other personal information and send them to another person without your consent. Some precautions to take:

Ensure that you install an effective personal firewall, anti-virus, anti-spyware as well as anti-Trojan horse software. These should be updated regularly.
Do not download any software from a website that is of doubtful origin.
Do not open any email or attachment that is from a source unknown to you. When in doubt, delete such email without opening it.

We do not represent or warrant that the Website www.investaffairs.com will be available and meet your requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system.

You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the website.

Collection of Personal Information

Use of "cookies"

Your visit to the Website may be recorded for analysis on the number of visitors to the Website and general usage patterns. Some of this information will be gathered through the use of cookies". Cookies are small bits of information that are automatically stored on a person's web browser in their computer that can be retrieved by this site. Should you wish to disable these cookies you may do so by changing the setting on your browser.

Marketing Promotions

Occasionally, we may collect personal information from visitors to this site and those individuals that participate in a contest or promotion (online or over the telephone, or at one of our branches). Such information is only collected from individuals who voluntarily provide us with their personal information. We may use this information to advise them of products, services and other marketing materials, which we think, may be of interest to them. We may also invite visitors to this site to participate in market research and surveys and other similar activities.

Hyperlinks from Positive Vibes to Third Party Websites

Positive Vibes Consulting & Advisory and/or its member/ group/associate/affiliate companies are not responsible for the contents available on or the set-up of any other websites linked to the Website. These hyperlinks lead to websites published or operated by third parties who are not affiliated with or in any way related to Positive Vibes Consulting & Advisory and/or its member/group/associate/affiliate companies. Access to and use of such other websites is at the user's own risk and subject to any terms and conditions applicable to such access/use. By providing hyperlinks to a third party website or webpage, Positive Vibes Consulting & Advisory and/or its member/ group/associate/affiliate companies shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the services/ products they provide on their websites, or to have any form of cooperation with such third parties and websites unless otherwise stated by Positive Vibes Consulting & Advisory and/or its member/ group/associate/affiliate companies.

We are not in any way responsible for the content of any third party website or webpage.

Positive Vibes Consulting & Advisory and/or its member/ group/associate/affiliate companies is/are not a party/parties to any contractual arrangements entered into between you and the provider of the third party website unless otherwise expressly specified or agreed to by Positive Vibes Consulting & Advisory and/or its member/ group/associate/affiliate companies.

Any links to websites that contain downloadable software are provided for your convenience only. We are not responsible for any difficulties you may encounter in downloading the software or for any consequences from your doing so. Please remember that the use of any software downloaded from the Internet may be governed by a licence agreement and your failure to observe the terms of such licence agreement may result in an infringement of intellectual property rights of the relevant software provider, which we are not in any way responsible.

Hyperlinks from Third Party Websites to Positive Vibes

You must always obtain the prior written approval of Positive Vibes Consulting & Advisory and/or its member/ group/associate/affiliate companies before creating a hyperlink in any form from a third party website to any Positive Vibes website or webpage. Positive Vibes Consulting & Advisory and/or its member/ group/associate/affiliate companies may or may not give such approval at its absolute discretion.

Positive Vibes Consulting & Advisory and/or its member/ group/associate/affiliate companies is/are not responsible for the setup of any hyperlink from a third party website to any Positive Vibes website or webpage. Any links so set up shall not constitute any form of co-operation with, or endorsement by, Positive Vibes Consulting & Advisory and/or its member/ group/associate/affiliate companies of such third party website. Any link to our Website shall always be an active and direct link to our Website and no "framing" or "deep-linking" of our web page or content is allowed, unless prior approval by Positive Vibes.

Positive Vibes and its member/ group/associate/affiliate companies are not liable for any loss or damage incurred or suffered by you or any third party arising out of or in connection with such link. Positive Vibes and/or its member companies reserve the right to rescind any approval granted to link through a plain-text link or any other type of link, and to require the removal of any such link to any Positive Vibes websites, at its discretion at any time.

IMPORTANT: By accessing this website and any of its pages you are agreeing to the terms set out above.

Disclaimer on Marketing Material / Documents / Advertisements:

The marketing material / document / advertisement is prepared and printed by Positive Vibes for information purpose only.

Positive Vibes does not warrant about the completeness of any of the information mentioned. The information may have been taken from trade and statistical services and other sources. This should neither be construed as solicitation nor offering advice for the purpose of the purchase or sale of any equity, currency, equity derivatives, spot commodity, commodity derivatives or any other financial instrument.

The recipient of this information should before dealing and/or transacting in any manner in respect of the products referred herein, make his / her own judgement and seek independent advice. The recipient alone shall be fully responsible / are liable for any decision taken on the basis of this material. The recipient should carefully consider whether trading/investment is appropriate for you in light of your experience, objectives, financial resources and other relevant circumstances.

Positive Vibes and any of its partners, directors, and employees shall not be liable for any loss or damage of any nature whatsoever caused or suffered owing to inaccurate or incomplete information mentioned herein.

This information is to be kept confidential by the recipient and no part of this information may be duplicated in whole or in part in any form and or redistributed without the prior written consent of Positive Vibes

Disclaimer for Accounting & Taxation Services

This is a generalized Service, provided on an "As Is" basis by Positive Vibes Consulting & Advisory. Positive Vibes and its affiliates disclaim any warranty of any kind, imputed by the laws of any jurisdiction whether in or outside India, whether express or implied, as to any matter whatsoever relating to the Service, including without limitation the implied warranties of merchantability, fitness for a particular purpose. Positive Vibes will and its subsidiaries / affiliates / sponsors /partners/ trustee or their officers, employees, personnel, directors will not be responsible for any direct/indirect loss or liability incurred to the user or any other person as a consequence of his or any other person on his behalf taking any accounting, taxation and investment decisions based on the above proposal and recommendation. This is not a specific advisory service to meet the requirements of a specific client. Use of the Service is at any persons, including a Client's, own risk. Investments if discussed or recommended under this service may not be suitable for all investors. Clients and Investors must make their own accounting, tax and investment decisions based on their specific investment objectives, tax liabilities, accountability, compliance and financial position and using such independent advisors as they believe necessary. Information herein is believed to be reliable but Positive Vibes does not warrant its completeness or accuracy. The Service should not be construed to be an advertisement for solicitation for buying or selling of any securities. All intellectual property rights emerging from this guide are and shall remain with Positive Vibes Consulting & Advisory. This guide is for user's personal use and the user shall not resell, copy, or redistribute this guide, or use it for any commercial purpose. Please read the Terms of Use on the website www.investaffairs.com